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Apply for an emergency cash loan with Nifty!

Are you looking for emergency cash loans? No matter how hard we budget, sometimes we aren’t always prepared for life’s financial hurdles. Storms come raging, medical expenses pile up and accidents happen! Yet, when the unexpected occurs, you don’t have to panic. Emergency cash loans can help sort out an urgent, unexpected expense and set your mind at ease. At Nifty Loans, we know how hard it can be to access finance when you need it most. That’s why we’ve streamlined our application process to deliver fast cash loans when emergencies happen.

Understanding emergency cash loans

There are a number of reasons why people may find themselves looking for fast emergency cash loans online. Basically, emergency loans are a form of short-term personal finance designed to help borrowers cover urgent expenses. These expenses include everything from dental bills to car repairs. Sometimes there’s no accounting for emergencies. No one understands that better than the team here are Nifty Loans. We take a realistic look at your financial situation and make a fair and reasonable assessment. So, when you apply with Nifty you can be guaranteed a fair go at accessing emergency cash bad credit and all.

You’re probably also wondering, can I repay my loan early? Of course! Nifty is more than happy for borrowers to repay their loan early. We do not charge any early exit fees, so you’re welcome to repay your loan sooner if you’d like.

How Much Can I Apply For?

Nifty offers two types of personal loans that can be used to cover emergency expenses:

Type Amount Term Security
Medium $2,500 – $4,600 9 – 24 months Unsecured or Secured
Large $5,000 – $10,000 9 – 24 months Secured

Although it’s free to apply, if you’re approved for an emergency cash loan standard fees and rates will apply. Head to our costs page or get in touch for more details on what associated costs you can expect to pay for our loans.

Who can apply for emergency cash loans?

So, now that we’ve covered the important details, let’s talk about who is eligible to apply. At Nifty, we like to keep things as simple as possible. So, if you can meet the following criteria you could scroll up and apply for an emergency loan right now:

  • Are you an Australian citizen or permanent resident?
  • Are you 18 years of age or older?
  • Over the last 90 days, have you received a regular income into your own personal bank account?
  • Do you have an active email address and mobile phone number?

If you can fulfil all of these requirements then you’re eligible to apply for one of our emergency cash loans!

Documents you’ll need

To apply for emergency cash loans with Nifty, you only need the essentials! Before you begin your application make sure you have the following information handy:

  • Personal details
  • A reason for why you need the loan
  • Online banking details
  • Your myGov details (if you are on Centrelink)
  • Your employment info
Emergency cash loans for unemployed applicants

Have you been googling ‘emergency cash loans unemployed no more hassle’? Well, stop your searching! If you’re unemployed you may still be eligible for emergency cash loans with Nifty if you receive some alternative form of income. For example, we may consider Centrelink payments as an adequate form of income so long as they meet the needs of our loan repayments.

Ultimately, this varies between applicants so we can’t guarantee emergency cash loans to unemployed applicants. If you’re unsure whether you would qualify for a loan with your income, we still encourage you to apply. It’s free to do so and that way we can provide a more comprehensive answer.

Emergency cash loans with bad credit

Want to apply for a loan but are afraid your bad credit history is holding you back? Don’t stress! Here at Nifty Loans, we take a different approach to credit. We understand that negative reports on your credit history can last for as long as 7 years. A lot can change in that time and you shouldn’t have to be held accountable for past mistakes. Consequently, we’ll look at other factors like your income and employment status when determining your approval for a loan.

We may not be able to guarantee approval, however, we guarantee we’ll give you a fair go at finding a loan when you need it most.

Frequently Asked Questions

Do you provide emergency cash loans with no credit check?

No! Although we don’t view your credit score as the be-all, end-all, we do conduct credit checks on all our loan applications. Credit checks are part of the larger process we undertake when investigating your current relationship with finances. So while we won’t base your assessment solely on your credit rating, as a responsible lender, we want to ensure that we are providing finance to applicants who can afford it.

Why do you need my Internet banking details?

Why does Nifty look at bank statements? Essentially, we look at your bank statements to verify spending habits, regular transactions and deposits, as well as income. We prefer to look at more than just your credit score. Bank statements give our team a realistic insight into your current financial situation. We encourage you to get in touch with any questions or head over to our FAQ page.

Before You Apply

Emergency cash loans can help cover the expense of unexpected costs, but you should still consider whether a personal loan is right for you. Nifty does not provide financial advice so speak to a professional financial advisor if you have any uncertainties. Ultimately, it is up to you to decide whether or not a loan product is suitable. If you would like to know more about our loan products, we’re 100% transparent. We won’t keep anything a secret. So contact us directly if you have any questions regarding our loans.

Stay Informed!

Still, have some questions about our personal loan products? Want to learn more about finance in general? Nifty Loans covers a wide range of topics on our site, including everything from loans for people on Centrelink to micro loans. You can also read up on the latest in finance and lifestyle over on our blog!

For answers to our most commonly received questions, check out our FAQ page!

Ready to Apply?

Personal Loan Details

Loan Amounts $5,000 – $15,000
Loan Terms 9 – 24 months
Starting Interest Rate (APR) 11.42% (Excellent Credit)
Starting Comparison Rate 14.49% (Excellent Credit)
Ceiling Interest Rate (APR) 21.24% (Average Credit)
Ceiling Comparison Rate 45.56% (Average Credit)
Type of rate Fixed Rate
Repayment options Weekly, Fortnightly, Monthly
Monthly Fee $0
Early repayment fee $0
Average turnaround 60 minutes*
Loan Options Unsecured & secured options

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $12,389.76. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 14.49% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 11.42% (14.49% comparison rate) with a maximum of 21.24% (45.56% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months. For more details and examples visit our rates and fees page.